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Areas of Practice

Bankruptcy

Why You Should Hire an Attorney for Debt Relief

Only an Attorney Offers a Full Range of Debt Relief Options

We all have seen ads on late night television promising debt consolidation or negotiation as a solution to debt problems. While these alternatives may provide a solution for some types of debt problems, it’s important to understand all of your options, including bankruptcy

At The Law Offices of John E. Mufson in Delray Beach, Florida, we offer a free initial consultation to discuss all of your debt relief options, including debt consolidation, loan modification, Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Before we meet in our office, attorney John Mufson will evaluate your case to determine if there are any non-bankruptcy options that are appropriate in your case. We will look at your finances, including your income and expenses to determine if you have the ability to pay your debts through debt consolidation or negotiation, including unsecured debts such as credit cards as well as secured debts such as mortgages and car payments.

To assist us, we will ask you to provide documents such as tax returns, pay stubs and bank statements. We will provide you a list of required documents prior to the meeting.

Why You Should Seek an Attorney’s Help

Lawyers have a legal duty to clearly explain your debt relief options, even if that solution is not in the best financial interest of the firm. A debt consolidation firm is under no such obligation.

Here are some reasons why you should hire a lawyer to perform debt negotiation services for you:

  • Lawyers are licensed by the Florida State Supreme Court. Most debt consolidation and loan modifications firms are not licensed.
  • A lawyer can advise you about your legal rights under the law. Debt consolidation companies have no such legal training.
  • Anything you say to your lawyer is protected by attorney-client privilege. Debt consolidation firms have no such ethical obligation.
  • If the creditor is unwilling to negotiate, a lawyer can hold out the threat of filing for bankruptcy. You will need to hire an attorney, if your debt consolidation company fails to secure a negotiated agreement with your creditor.

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